UBAB Income Statement

Financials in millions USD. Fiscal year is January - December.

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Interest Income on Loans	59.78	59.25	55.31	49.14	36.95	32.17
Interest Income on Investments	16.55	16.92	18.46	17.05	10.13	3.59
Total Interest Income	76.33	76.16	73.78	66.19	47.08	35.76
Interest Paid on Deposits	15.88	15.37	13.49	6.86	3.05	2.39
Interest Paid on Borrowings	0.69	0.73	0.83	0.56	0.64	0.44
Total Interest Expense	16.57	16.1	14.31	7.43	3.69	2.84
Net Interest Income	59.75	60.06	59.46	58.76	43.39	32.93
Net Interest Income Growth	0.33%	1.00%	1.20%	35.41%	31.78%	25.73%
Gain (Loss) on Sale of Investments	0.06	-	-3.04	-6.8	-	0.08
Other Non-Interest Income	15.61	13.67	26.99	27.85	14.66	22.6
Total Non-Interest Income	15.67	13.67	23.94	21.04	14.66	22.68
Non-Interest Income Growth	-29.65%	-42.91%	13.77%	43.52%	-35.35%	39.74%
Revenues Before Loan Losses	75.42	73.73	83.41	79.8	58.06	55.61
Provision for Loan Losses	1.82	4.04	4.36	1.12	2.05	1.86
Revenue	73.6	69.69	79.05	78.69	56	53.75
Revenue Growth	-1.99%	-11.84%	0.45%	40.50%	4.20%	35.41%
Salaries and Employee Benefits	23.07	21.66	18.47	18.21	16.34	14.57
Occupancy Expenses	3.68	3.71	4.02	3.24	3.55	3.35
Selling, General & Administrative	1.84	1.84	5.57	2.27	1.6	1.48
Other Non-Interest Expense	18.19	17.77	14.88	14.01	10.5	10.41
Total Non-Interest Expense	46.78	44.97	42.95	37.72	31.98	29.81
EBT Excluding Unusual Items	26.82	24.71	36.09	40.97	24.02	23.94
Pretax Income	26.82	24.71	36.09	40.97	24.02	23.94
Income Tax Expense	5.14	5.04	8.09	9.43	5.34	5.41
Net Income	21.68	19.67	28	31.54	18.68	18.53
Preferred Dividends & Other Adjustments	2.48	2.48	1.05	-	-	-
Net Income to Common	19.2	17.2	26.95	31.54	18.68	18.53
Net Income Growth	-10.72%	-36.19%	-14.55%	68.81%	0.82%	52.28%
Basic Shares Outstanding	3	3	4	4	4	4
Diluted Shares Outstanding	3	3	4	4	4	4
Shares Change	-8.34%	-6.62%	-1.60%	-2.02%	-4.02%	0.76%
EPS (Basic)	6.12	5.23	7.65	8.81	5.11	4.87
EPS (Diluted)	6.12	5.23	7.65	8.81	5.11	4.87
EPS Growth	-2.59%	-31.66%	-13.16%	72.38%	4.98%	51.16%

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Dividend Per Share	1.410	1.400	1.100	0.600	0.400	0.280
Dividend Growth	8.46%	27.27%	83.33%	50.00%	42.86%	40.00%
Effective Tax Rate	19.18%	20.39%	22.41%	23.01%	22.22%	22.59%